SUMMONS AND NOTICE STATE OF SOUTH CAROLINA IN THE COURT OF COMMON PLEAS COUNTY OF BEAUFORT Navy Federal Credit Union, PLAINTIFF, vs. Joshua C Snyder, DEFENDANT(S) SUMMONS AND NOTICE OF FILING OF COMPLAINT (NON-JURY MORTGAGE FORECLOSURE) C/A NO: 2025-CP-07-02641 DEFICIENCY WAIVED TO THE DEFENDANTS, ABOVE NAMED: YOU ARE HEREBY SUMMONED and required to answer the Complaint herein, a copy of which is herewith served upon you, or otherwise appear and defend, and to serve a copy of your Answer to said Complaint upon the subscriber at his office, Foundation Legal Group, P.O. Box 8237, Columbia, SC 29202, within thirty (30) days after service hereof, except as to the United States of America, which shall have sixty (60) days, exclusive of the day of such service, and if you fail to answer the Complaint within the time aforesaid, or otherwise appear and defend, the Plaintiff in this action will apply to the Court for the relief demanded therein, and judgment by default will be rendered against you for the relief demanded in the Complaint. YOU WILL ALSO TAKE NOTICE that should you fail to Answer the foregoing Summons, the Plaintiff will move for an Order of Reference of this case to the Master-in-Equity/Special Referee for this County, which Order shall, pursuant to Rule 53 of the South Carolina Rules of Civil Procedure, specifically provide that the said Master-in-Equity/Special Referee is authorized and empowered to enter a final judgment in this case with appeal only to the South Carolina Court of Appeals pursuant to Rule 203(d)(1) of the SCACR, effective June 1, 1999. TO MINOR(S) OVER FOURTEEN YEARS OF AGE, AND/OR TO MINOR(S) UNDER FOURTEEN YEARS OF AGE AND THE PERSON WITH WHOM THE MINOR(S) RESIDES, AND/OR TO PERSONS UNDER SOME LEGAL DISABILITY: YOU ARE FURTHER SUMMONED AND NOTIFIED to apply for the appointment of a guardian ad litem within thirty (30) days after the service of this Summons and Notice upon you. If you fail to do so, application for such appointment will be made by the Plaintiff immediately and separately and such application will be deemed absolute and total in the absence of your application for such an appointment within thirty (30) days after the service of the Summons and Complaint upon you. NOTICE OF FILING OF SUMMONS AND COMPLAINT TO THE DEFENDANTS ABOVE NAMED: YOU WILL PLEASE TAKE NOTICE that the foregoing Summons, along with the Complaint, was filed in the Office of the Clerk of Court on October 23, 2025. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, except as stated below in the instance of bankruptcy protection. IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY COURT OR HAVE BEEN DISCHARGED AS A RESULT OF A BANKRUPTCY PROCEEDING, THIS NOTICE IS GIVEN TO YOU PURSUANT TO STATUTORY REQUIREMENT AND FOR INFORMATIONAL PURPOSES AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT A DEBT OR AS AN ACT TO COLLECT, ASSESS, OR RECOVER ALL OR ANY PORTION OF THE DEBT FROM YOU PERSONALLY. s/ Gregory Wooten December 8, 2025 John S. Kay (S.C. Bar No. 7914) Ashley Z. Stanley (S.C. Bar No. 74854) Sarah O. Leonard (S.C. Bar No. 80165) Gregory Wooten (S.C. Bar No. 73586) M. Celeste Bowers (S.C. Bar No. 100981) Attorneys for Plaintiff Foundation Legal Group 240 Stoneridge Drive Suite 400 Columbia, SC 29210 (803) 726-2700 john.kay@thefoundationlegalgroup.com ashley.stanley@thefoundationlegalgroup.com sarah.leonard@thefoundationlegalgroup.com k.gregory.wooten@thefoundationlegalgroup.com celeste.bowers@thefoundationlegalgroup.com Firm Case No: 28427 - 145360 IPL0300801 Dec 29,Jan 5,12 2026